Abaninzi baseMerika abahlala kwiidolophu apho ukuqhuba imoto kuyimfuneko bafumanisa ukuba kuyimfuneko ukuba bathathe imali mboleko xa bethenga loo moto. Ngo-2015 , ngaphezulu kwesigamu seemoto ezisetyenziswayo kunye neepesenti ezingama-85,9 zeemoto ezintsha zaxhaswa ngezimali mboleko.
Ukuhlawulwa kwemoto yenyanga ngenyanga kwi-2017 i-479 ephezulu, kwaye ngo-2016, umboleko weemoto eziqhelekileyo wawuyi-$ 30,032 engama-70 ubude obude obuphakathi kweenyanga ezingama-68. Amanqanaba omdla kwiimali-mboleko zemizi-mboleko ziyakhula kwaye ziya kuhlawula iipesenti ezingaphezu kwama-4 ngonyaka ngonyaka.
Ngelishwa, ukunyuka kweendleko zokuthenga isithuthi esilukhuni kakhulu ngaphandle kokulungiswa kakuhle kuye kwakhokelela ekukhuphukeni kwamazinga okungaxhatshazi kwiindleko zemali kwiindawo ezininzi.
Ukuba ucinga ukuthenga imoto entsha kunye nokuthatha imali mboleko, kubalulekile ukuqonda izinto eziya kuqikelela ukuhlawulwa kwemali yakho yenyanga nganye ukwenzela ukuba unganise ukuba luhlobo luni lomboleko olwenza ukuba lube luncedo kuwe.
Iintlobo zaseprayimari zemali yemali
Kukho iintlobo ezimbini eziphambili zemali-mboleko yemoto: mboleko ngqo kunye nomthengisi ngemali. Umboleko othe ngqo ngumboleko wendabuko ngebhanki okanye kwiziko lezemali, ngelixa umthengi ngemali mboleko efunyenwe kumthengisi - ngamanye amaxesha kuthiwa "uthengele apha ukhokhe apha" (BHPH).
Imboleko ngqo ngqo, kwaye umthengisi angayithengisa ngemali mboleko abayenzayo kuwe kwibhanki okanye umanyano wekhredithi oza kuthi ke isevisi yakho. Nangona oku kuthetha ukuba ezi zikhetho ezimbini zifana kakhulu xa uqala ukuhlawula imali mboleko yakho, abathengi banokukwazi ukubonelela ngeengcebiso ezizodwa ezixhaswe ngumenzi okanye ezinye izibonelelo ukuba ibhanki ayinakuyenza.
Izinto eziya Ekunqumeni Ukuhlawulwa Kwemoto Yakho
Kungakhathaliseki ukuba ukhetha ukufumana mboleko ngebhanki yakho okanye ngokusebenzisa umthengisi wemoto, intlawulo yakho yenyanga iya kugqitywa yizinto ezifanayo:
- Ingeniso yakho, amanqaku ekhredithi kunye namatyala. Inkokhelo yakho kwingeniso yokufumana imali yinto ebalulekileyo ababolekisi basebenzise ukuvavanya ukuboleka kwakho. Ukuba unomvuzo ophezulu kunye namatyala aphantsi, uya kuba mnandi kumbolekisi kwaye unokuphuma kunye nemigqaliselo engcono yokubolekisa. Nangona kunjalo, ukuba unemali engenayo ephezulu kunye namatyala aphezulu alinganayo, uya kuba ngumngcipheko omkhulu kubabolekisi, kwaye ngoko ke unganamathuba okufumana imboleko ngemimiselo enqwenelekayo. Ukuba unomvuzo wesikweletu se-subprime, kunokuba nzima ukufumana imali mboleko.
- Ubudala bemoto. Ingabonakala ingafani, kodwa intsha imoto, bhetele imigaqo yemboleko yakho ingaba. Ukuba kukho into eyenzekayo eyenza ungakwazi ukuhlawulwa kwemali mboleko kunye nemoto yakho ukuba ibuyiselwe, ibhanki okanye umthengisi uya kuba nexesha elilula lokuthengisa kwakhona imoto entsha kunemoto endala - kwaye ke unakho ukukhuthaza abanye ukuba bathathe umngcipheko ekusekeleni le asethi.
- Ubude bemboleko . Imali mboleko emfutshane ngokubanzi ivela kunye nemigangatho efanelekileyo kuba ibonisa ukuba unamandla aphezulu okuhlawula amatyala akho ngexesha elifanelekileyo. Nangona kunjalo, umboleko omncinci uya kubakho neentlawulo eziphezulu zenyanga kuba uya kuba uhlawula imali ekufutshane kwexesha.
- Ubungakanani bemboleko kunye nenani lentlawulo ephantsi. Ukubeka amanqaku ahlawuleyo ekuhlawuleleni iintlawulo kubathengi ukuba unobungakanani malunga notyalo-mali kwaye ungakhokelela kwisantya somdla onqwenelekayo. Imboleko enkulu , ngakumbi ukuba unetyala eliphezulu kwinani lokufumana imali, kuya kwenzeka ukuba lifike ngezinga elinomdla omkhulu, ngelixa i-mboleko encinci iya kuba neemeko ezilungileyo.
- Umyinge wepesenti wonyaka (inzala). Umyinge wepesenti wonyaka (APR) ngumyinge wenzala uza kuhlawula ngamnye umboleko wakho. Imali kwizithuthi ezidala ngokubanzi ziza nezindleko eziphezulu ngenxa yokuba zinenani elincinci lokuphindaphinda. Imimandla eyahlukeneyo iya ekunqumeni i-APR iya kunikelwa, kubandakanywa nembali yakho yembali, iimeko zeemarike kunye nezibonelelo ezizodwa. Nangona kungavamile ukuba ne-APR iguqulwe ebomini yemboleko mboleko, qaphela ukushicilelwa okulungileyo kuba izinga eliguquguqukayo lingakubiza!
Ngaphambi kokuba Uthenge
Ukongeza kwintlawulo yakho yemoto ephakathi, ukuba uceba ukuthenga isithuthi esitsha, kufuneka uhlahlo-mali kwiindleko zomshuwalense, amanani entengo yegesi, ukuhlawulwa kwentlawulo kunye nokubhaliswa kwemali, ukugcinwa, nokulungiswa, kunye nexabiso elithengiswayo elingalindelekanga lokubuyela emva xa uthengisa imoto yakho. Gcina ukhumbule ukuba ixabiso le-inshurensi kunye nokubhaliswa kunokuhluka ngokubanzi ngurhulumente. Nangona kungathi kubonakale kuyingozi, ukwenza ezi zibalo kunye nophando kuza kukunika umfanekiso ogqithiseleyo woluhlobo lwezithuthi onokukwazi ukuthenga ngaphezu kwexabiso lomthi we-sticker kwaye kuya kulungele ukuba uhlale uqinile phantsi koxinzelelo kumthengisi. Ukuba unako ukwenza, khawuqwalasele ukuqhuba imoto yakho endala ixesha elide, ukukhupha i-carpool, okanye ukuthatha izithuthi zikawonkewonke ngelixa ugcina isithuthi.
Eyona nto: Isigqibo sokuthenga imoto yisigqibo esingafanele sithathwe ngokulula, kwaye akufuneki nesigqibo sokuthatha imali mboleko kwimoto yakho. Cinga ukugcina imali yokuhlawula imali ukuze ugcine imali ngexesha elide. Zithengise ngeenxa zonke zemali-mboleko - qhathanisa nesibonelelo somthengisi kunye nelobhanki yakho, okanye ujonge ukuboleka imali kwilungu losapho. Ukuphonononga imithetho yakho yelizwe ukuchonga amalungelo akho njengemali. Ngophando olutshanje, uya kuhamba ngendlela yakho ukuba ube nesithuthi esinokukugcina iminyaka ezayo - nokugcina ikusasa lakho lemali ngelixa ulapho.